ENVA is a high-quality compounder — wide economic moat, 25% return on equity, 21% net margins, a financial health score of 8 out of 9 — growing revenue at 26% year-over-year with four consecutive earnings beats averaging 8.4% above consensus, but the price is just below the $189.67 resistance target with only 0.3% headroom remaining, and 98% geographic concentration in a single market constitutes a hard block regardless of quality.
Thesis pillars
- Single Geography Concentration Hard Block→Stable
- Compounder Quality Attractive Multiple→Stable
- Strong Growth Consistent Delivery→Stable
- +1 more pillar — see the Why tab for full reasoning
Pillars as of Jul 3, 2026, based on the 10-K filed Feb 20, 2026· older than 90 days
Enova International, Inc. (ENVA) Stock Analysis
Financial Services · Credit Services
Wait for pullback to $174.09. At $181.18 the A.R:R is 1.1:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $174.09 (Atr Pullback Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Single-region cliff: 98% exposure to United States (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: United States (97.5%).
Enova International provides online consumer and small business loans and lines of credit across 37-49 U.S. states and in Brazil, extending approximately $7.8 billion in credit in 2025 and generating $3.15 billion in revenue. Enova earns interest and fees on installment loans... Read more
Wait for pullback to $174.09. At $181.18 the A.R:R is 1.1:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $174.09 (Atr Pullback Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Single-region cliff: 98% exposure to United States (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: United States (97.5%). Chart setup: No clear chart pattern; technical signals are mixed. Growth is outpacing valuation and the technical setup has confirmed a breakout above resistance (PEG 0.25, quality 8.0/10, growth 9.4/10). Score 6.8/10, moderate confidence.
Passes 6/9 gates (positive momentum, no SEC red flags, news events none recent, earnings proximity 82d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio and finsvc regional cliff hard block. Suitability: aggressive.
About Enova International, Inc.
About Enova International, Inc.
Enova International extended approximately $7.8 billion in credit or financing to consumers and small businesses in 2025, generating $3,151.7 million in revenue — a 23.8% compound annual growth rate since 2020. The United States accounted for 97.5% of that revenue, with consumer loans offered in 37 states and small business loans in 49 states; Brazil contributed the remaining 2.4%. The CFPB holds supervisory authority over Enova's U.S. consumer businesses, making it the primary federal regulatory counterpart across the portfolio.
Enova earns revenue through interest income and fees across four core product types. Consumer installment loans — $300 to $10,000, terms of 3 to 60 months — generated a 90% average annualized yield in 2025. Consumer lines of credit (up to $7,000) ran at a 147% average annualized yield. Small business installment loans ($5,000 to $400,000, 6-to-24-month terms) produced 48%, and small business lines of credit yielded 49%. Five separate bank partners supplied 31.6% of consolidated originations and purchases through Enova's Bank Programs as of December 31, 2025, though management does not deem there to be significant reliance on any single banking partner. The Pangea brand provides mobile money transfer from the United States to Mexico, Latin America, and Asia, earning revenue through per-transfer fees and an exchange-rate spread. Loan and finance receivables outstanding reached $4,748.0 million at December 31, 2025, up from $1,263.1 million in 2020.
Show full overview
Enova's primary federal regulator for U.S. consumer products is the CFPB, which exercised authority under the Small Dollar Rule's payment-withdrawal provisions effective March 30, 2025. On March 28, 2025, the CFPB issued a press release indicating it would not prioritize enforcement of those provisions and signaled a possible rulemaking to narrow the rule's scope. The 10-K notes that if the CFPB reverses course and enforces the rule in full, it could have a material adverse impact on Enova's business. The company is also pursuing the acquisition of Grasshopper, subject to regulatory approvals that may impose conditions or delay closure.
See also: Financial Services · Credit Services
From Enova International, Inc.'s most recent 10-K filing, extracted June 10, 2026.
Recent developments
updated Oct 28, 2026Recent Developments — Enova International, Inc.
Latest news
- NEWS Enova International Inc (ENVA) Stock Up 5.0% but GF Value Says O - GuruFocus — GuruFocus Oct 28, 2026 positive
- NEWS Enova (ENVA) Stock Looks Undervalued As Earnings Keep Supporting The Price - Simply Wall St — Simply Wall St Oct 27, 2026 positive
- NEWS Enova (ENVA) Stock Looks Undervalued As Earnings Keep Supporting The Price - Simply Wall Street — Simply Wall Street Oct 27, 2026 positive
- NEWS Blue Tower on Enova International’s Grasshopper Bank Deal Termination - Yahoo Finance — Yahoo Finance Oct 21, 2026 negative
- NEWS What To Expect From Enova’s (ENVA) Q3 Earnings - Yahoo Finance — Yahoo Finance Oct 21, 2026 neutral
Latest item Oct 28, 2026 · Generated 2026-11-05T11:29:00Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHGeographicUnited States98%10-K Item 1: 'The United States represented 97.5% of our total revenue in 2025'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
1 floor-breaker·1 ceiling hit
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Wait for pullback to $174.09. At $181.18 the A.R:R is 1.1:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $174.09 (Atr Pullback Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Single-region cliff: 98% exposure to United States (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: United States (97.5%). Chart setup: No clear chart pattern; technical signals are mixed. Growth is outpacing valuation and the technical setup has confirmed a breakout above resistance (PEG 0.25, quality 8.0/10, growth 9.4/10). Target $200.82 (+10.8%), stop $161.90 (−11.9%), A.R:R 1.1:1. Score 6.8/10, moderate confidence.
Take-profit target: $200.82 (+10.8% upside). Target $200.82 (+10.8%), stop $161.90 (−11.9%), A.R:R 1.1:1. Stop-loss: $161.90.
Single-region cliff: 98% exposure to United States (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: United States (97.5%); Leverage penalty (D/E 3.4): -1.5.
Enova International, Inc. trades at a P/E of 12.5 (forward 8.5). TrendMatrix value score: 8.5/10. Verdict: Buy (Wait for Entry).
12 analysts rate ENVA, with a consensus score of 4.3/5. 6 analysts publish price targets averaging $231.
What does Enova International, Inc. do?Enova International provides online consumer and small business loans and lines of credit across 37-49 U.S. states and...
Enova International provides online consumer and small business loans and lines of credit across 37-49 U.S. states and in Brazil, extending approximately $7.8 billion in credit in 2025 and generating $3.15 billion in revenue. Enova earns interest and fees on installment loans and credit lines under brands including CashNetUSA, NetCredit, OnDeck, and Pangea.